We know you work hard every day to achieve your personal and professional goals. Since your health and wellness are key to meeting these goals, we are pleased to offer a comprehensive benefits package that supports your health, mind and body. May you always be Working Towards Wellness!
Benefit Year Begins: January 1, 2026
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see page 28 for more details.
DMP Family Clinic Ascent 417-595-0956 www.ascentdpc.com
Health Savings Account UMB Bank 866-520-4472 www.hsa.umb.com Life, AD&D, and Disability Sun Life 800-786-5433 www.sunlife.com Voluntary Benefits Sun Life 800-786-5433 www.sunlife.com
Employee Assistance Program Sun Life/ComPsych 877-595-5281 www.guidanceresources.com
Emergency Travel Assistance Sun Life/Assist America 800-872-1414 medservices@assistamerica.com
Identity Theft Protection Sun Life/SecureAssist 877-409-9597 www.securassist.com/sunlife
401(k) Retirement Plan Nationwide/Fervent Wealth Management 417-444-6777 www.ferventwm.com
Employee Response Center
Employee benefits can be complicated. The Higginbotham Employee Response Center (ERC) can assist you with the following:
• Enrollment
• Benefits information
• Claims or billing questions
• Eligibility issues Call or text 833-836-0368
DigitalMonitoringProductsInc.@eb.higginbotham.net Monday-Friday 7:00 a.m. to 6:00 p.m. CT* Se habla español *If you leave a voicemail message after 3:00 p.m. CT, your call will be returned the next business day.
Eligibility
Who is Eligible for Benefits STATUS
Eligibility
Enrollment
Coverage Begins
• Regular, full-time employee
• Working an average of 30 or more hours per week
• Enroll by the deadline given by Human Resources
• On your date of hire, if you enroll on time
Qualifying Life Events
• Regular, full-time employee
• Working an average of 30 hours per week
• Enroll during Open Enrollment (OE) or when you have a Qualifying Life Event (QLE)
• OE: Start of the plan year
• QLE: Ask Human Resources
Dependent(s)
• Your legal spouse
• Child(ren) under age 26 regardless of student, dependency, or marital status
• Child(ren) over age 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
• You must enroll the dependent(s) at OE or for a QLE
• When covering dependents, you must enroll for and be on the same plans
• Based on OE or QLE effective dates
You may only change coverage during the plan year if you have a Qualifying Life Event, such as:
You
within 31 days of the
DMP Family Clinic
The DMP Family Clinic team appreciates the value of patientcentered care with adequate time spent getting to know their patients and their specific healthcare needs. As a direct primary care provider, Dr. Green and his clinic team focuses on you and your health — the type of relationship every patient deserves.
The clinic provides a full-service family practice for DMP employees, their spouses and children age 18 or younger residing at home. This includes preventive history, annual well exams, acute illness care and chronic disease management. A low $20 annual fee provides enrollment and all visits in the DMP clinic for all eligible family members.
Patient Information and Medical History
Dr. Green and his clinic team will be happy to coordinate care with your primary care physician or specialist and will forward any records to your physicians as you request. All patient information and medical history is only available to the medical staff. No one from DMP will have access to any patient health information at anytime.
Enrollment Eligibility
Part-time and full-time employees and their family members are eligible to enroll on the first day of employment, no insurance required.
Enrollment
Form
Please complete the DMP Family Clinic Enrollment Form on UKG. This information will help the clinic staff assist you quickly if you need to schedule an appointment.
Schedule an Appointment
Clinic Hours:
Monday and Wednesday 8:00 a.m.-1:00 p.m. Friday 8:00 a.m.-12:00 p.m.
Phone: 417-447-9605 | Fax: 417-447-4014
2500 N. Partnership Blvd. | Springfield, MO 65803
Dr. Green and his team also treat patients at Ascent Primary Care Clinic, located in Ozark, Missouri.
The clinic provides the following to DMP employees and their family members:
• Annual preventive history and physical
• Free basic acute care pharmacy
• Acute illness care
• Chronic disease management
Meet the Clinic Team
DR. MATTHEW GREEN, DO
Dr. Green grew up in Tulsa, Oklahoma. He attended medical school at Oklahoma State University and completed a family medicine residency at CoxHealth in Springfield, Missouri. He is board-certified by the American Board of Family Medicine. Dr. Green is the owner of Ascent Primary Care Clinic, located in Nixa, Missouri. He has taken care of families in Southwest Missouri for over 15 years. His interests include spending time with his wife, two sons and daughter, being involved in his church, golfing, hunting, camping and traveling.
DAWN LANEY, RN
Dawn Laney has been a registered nurse since 2003. She started her career at Mercy, working in the Burn Intensive Care Unit and the Burn and Wound Clinic. After thirteen years at the hospital, she chose to raise her young children while occasionally subbing as a school nurse. She has been with DMP Family Clinic since October 2024. Dawn has been married to her husband Jeff, for 22 years and has three boys. She loves outdoor activities such as hiking, biking, boating, and floating. She also enjoys serving in her local church and leading a women’s small group.
MEGAN SAPP, FNP-C
Megan grew up just outside of Springfield, Missouri. She always knew she wanted to work in a field caring for others. She completed her undergraduate degree at Missouri State University in Nursing and her Masters of Science in Nursing through University of Missouri-Kansas City. She is board certified through the American Academy of Nurse Practitioners. Working in healthcare over 13 years, she has experience working in areas such as the adult hospital setting and pediatric clinical setting. Megan enjoys spending time with her family. Above all, she and her family strive to place God first, but they also have a passion for the outdoors, hiking, kayaking, traveling, and sports.
MYLENE KING
Mylene King grew up in El Dorado Springs, Missouri. She moved to Springfield to attend SMS/MSU where she met her husband, Keith. They married in 1984 and have two daughters, Brittney and Kelsey, along with two sons-in-law and five granddaughters. The last 20 years, Mylene has worked as an Administrative Assistant at a local church. She enjoys spending time with her family, lake life in the summer and going to the beach.
How to Enroll
You will complete enrollment in UKG Ready. Open enrollment may be assigned as a checklist. You can always access enrollment by navigating to My Benefits > Enrollment. There you will find an enrollment tile that will allow you to review the plan options and make your 2026 benefit elections.
Contact the ERC if you have questions about your benefits or need help enrolling (see page 4).
Medical Coverage
Protects you and your family from major financial hardship in the event of illness or injury.
Medical Provider: Cigna Network: Open Access Plus
About This Coverage
You have a choice of two Cigna Open Access Plus medical plans:
• HSA Plan – This plan is an HDHP with a $5,000 Individual and a $10,000 Family in-network deductible.
• Copay Plan – This plan is a PPO with a $1,500 Individual and a $4,500 Family in-network deductible.
Both plans allow you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other network services are covered at the deductible and coinsurance level.
A High Deductible Health Plan (HDHP) allows you to see any provider when you need care, and you will pay less for care when you go to in-network providers. If you enroll in the HDHP, you may be eligible to open a Health Savings Account (HSA)*.
*See page 14 for HSA eligibility.
EMBEDDED DEDUCTIBLE
If you elect Employee plus Dependent coverage, you can take advantage of the embedded deductible feature*. This means once a family member meets the individual deductible amount, the plan will begin paying benefits for that family member. The entire family deductible does not have to be met first before that family member begins to receive benefits. The individual deductible is embedded in the family deductible.
Medical Benefits Summary
CIGNA OPEN ACCESS PLUS
•
1 What you will pay after your deductible is met.
2 If you get a specialty prescription drug supply of 34 days or less via home delivery, the specialty home delivery cost share will be
3 Must use the Cigna Pathwell Specialty Network Plan, or specialty medication will not be covered.
Cigna Resources
CIGNA MEMBER PORTAL
myCigna serves as your one-stop-shop for all Cigna health plan and benefits information. Key features include managing and tracking claims, accessing digital ID cards, finding in-network providers, accessing cost comparison tools, reviewing coverage details, and more.
MYCIGNA MOBILE APP
Download the myCigna mobile app to access your Cigna health plan and benefits information while on the go. This app helps you organize and access important plan information on your smartphone or tablet. It is also available in Spanish.
HEALTH INFORMATION LINE
Speak to a nurse at anytime to get answers and/ or recommendations based on your specific health situation. Call the number on the back of your Cigna ID card for 24/7 access to the Health Information Line.
CIGNA ONE GUIDE
Cigna One Guide offers the convenience of an app with the personal touch of live service to help you engage in your health and get the most out of your health plan. The program allows you to connect with specially trained personal guides who help you:
• Choose the right benefit plans and programs
• Learn about incentives and rewards
• Save money
• Connect with a nurse
PRESCRIPTION DRUGS
• Find the complete list of covered medications on mycigna.com
• Know what brand-name drugs are covered in your plan; generics offer the best value.
• Consider a 90-day supply to save time and money on medication you take regularly.
Connect with Your Personal Guide
Use the Cigna One Guide service by app, chat, or phone.
• Visit www.mycigna.com
• Call 866-494-2111
• Download the myCigna app
Telemedicine
Allows 24/7/365 access to boardcertified doctors from your mobile phone or computer.
Your medical coverage offers telemedicine services through MDLIVE . Connect anytime day or night with a board-certified doctor via your mobile device or computer for the same cost as a regular visit to your doctor.
While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
• Have a non-emergency issue and are considering an after hours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home
• Are unable to see your primary care physician
When to Use Telemedicine
Use telemedicine for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold/Flu
• Allergies
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Registration is Easy
Register with MDLIVE so you are ready to use this valuable service when and where you need it. Visit mdliveforcigna.com Call 888-726-3171
Download the myCigna app DMP Family Clinic
All enrolled employees can access the onsite DMP Family Clinic, starting on their day of hire. See page 6 for details.
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
HEALTH CARE PROVIDER
Non-Emergency Care
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
Virtual Visits/ Telemedicine
Doctor’s Office
Retail Clinic
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
Utilize the DMP Family Clinic for even lower healthcare costs.
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Hours vary based on store hours
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend and holiday hours
Urgent
Care
Emergency Care
Hospital ER
Freestanding ER
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility
24 hours a day, 7 days a week
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher
24 hours a day, 7 days a week
• Allergies
• Cough/cold/flu
• Rash
• Stomachache
• Infections
• Sore and strep throat
• Vaccinations
• Minor injuries/sprains/strains
• Common infections
• Minor injuries
• Pregnancy tests
• Vaccinations
• Sprains and strains
• Minor broken bones
• Small cuts that may require stitches
• Minor burns and infections
• Chest pain
• Difficulty breathing
• Severe bleeding
• Blurred or sudden loss of vision
• Major broken bones
• Most major injuries except trauma
• Severe pain
Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.
Health Savings Account
Offsets your medical costs, reduces your taxes, and offers a long-term taxadvantaged savings account.
An HSA is a tax-deductible savings plan that allows you to put aside pretax dollars to use for current or future health care expenses. It is also a tax-exempt tool to supplement your retirement savings. It is always yours to keep, even if you change health plans or jobs.
HSA Contributions
2026 Maximum Contributions
• Individual – $4,400
• Family (filing jointly) – $8,750
• Catch-Up Contribution (if age 55+) – $1,000
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (HSA Plan)
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare, Medicaid, or TRICARE
• Not receiving Veterans Administration benefits
Important HSA Information
• Always ask your network doctor to file claims with your medical, dental, or vision carrier so you will get the highest level of benefits. You can pay the doctor with your HSA debit card for any balance due.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• HSA accounts opened through UMB Bank are eligible for automatic payroll deductions and company contributions. Automatic payroll deduction funds and the employer match cannot be contributed until you set up your account.
Open an HSA
If you meet the eligibility requirements, you may open an HSA administered by UMB Bank . You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. To open an account, ask HR for instructions.
Contributions
If you enroll in the HSA Plan, and contribute to your HSA via payroll deduction, DMP will match your annual contribution up to $800. You must contribute $1,600 to receive the full contribution match.
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are age 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Flexible Spending Accounts
Allow you to set aside pretax dollars from each paycheck to pay for certain IRSapproved health and dependent care expenses. We offer two Flexible Spending Accounts, administered by Higginbotham.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. You may contribute up to $3,400 annually to a Health Care FSA, and you are entitled to the full election from day one of your plan year. Eligible expenses include:
• Dental and vision expenses
• Medical deductibles and coinsurance
• Prescription copays
• Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).
HIGGINBOTHAM BENEFITS DEBIT CARD
The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay for anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB). If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s).
Important FSA Rules
• The maximum per plan year you can contribute to a Health Care FSA is $3,400. The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household and $3,750 when married filing separately.
• You cannot change your election during the year unless you experience a Qualifying Life Event.
• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
• You can continue to file claims incurred during the plan year up until March 31, 2027.
• The IRS has amended the “use it or lose it” rule to allow you to carry over up to $680 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA.
HOW THE HEALTH CARE FSA WORKS
You can access the funds in your Health Care FSA two different ways:
• Use your Higginbotham Benefits Debit Card to pay for qualified expenses, doctor visits, and prescription copays.
• Pay out-of-pocket, and submit your receipts for reimbursement:
• Fax – 866-419-3516
• Email – flexclaims@higginbotham.net
• Online –https://flexservices.higginbotham.net
Flexible Spending Accounts
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full-time. You can use the account to pay for daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.
DEPENDENT CARE FSA CONSIDERATIONS
• Overnight camps are not eligible for reimbursement (only day camps can be considered).
• If your child turns age 13 midyear, you may only be reimbursed for the time the child was under age 13.
• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.
• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
Plan Comparison
Most medical, dental and vision care expenses that are not covered by your health plan, such as:
• copayments
• coinsurance
• deductibles
• glasses
• doctor-prescribed over-the-counter medications
• gum treatment
• dentures
• braces
• Saves on
• Reduces
Dependent care expenses so you and your spouse can work or attend school full-time, such as: • daycare • after-school programs • eldercare programs
Higginbotham Portal
The Higginbotham Portal provides information and resources to help you manage your FSAs.
• Access plan documents, letters and notices, forms, account balances, contributions, and other plan information.
• Update your personal information.
• Look up qualified expenses.
• Submit claims.
REGISTER FOR AN ACCOUNT
Visit https://flexservices.higginbotham. net and click Get Started. Follow the instructions and scroll down to enter your information.
• Enter your Employee ID, which is your Social Security number with no dashes or spaces.
• Follow the prompts to navigate the site.
• If you have any questions or concerns, contact Higginbotham:
• Phone – 866-419-3519
• Email – flexclaims@ higginbotham.net
• Fax – 866-419-3516
Qualified HSA and FSA Expenses
Shows some medical expenses that are eligible for payment under your Health Care FSA or HSA.
• Abdominal supports
• Acupuncture
• Air conditioner (when necessary for relief from difficulty in breathing)
• Alcoholism treatment
• Ambulance
• Anesthetist
• Arch supports
• Artificial limbs
• Autoette (when used for relief of sickness/disability)
• Blood tests
• Blood transfusions
• Braces
• Cardiographs
• Chiropractor
• Contact lenses
• Convalescent home (for medical treatment only)
• Crutches
• Dental treatment
• Dental X-rays
• Dentures
• Dermatologist
• Diagnostic fees
• Diathermy
• Drug addiction therapy
• Drugs (prescription)
• Elastic hosiery (prescription)
• Eyeglasses
• Fees paid to health institute prescribed by a doctor
• FICA and FUTA tax paid for medical care service
• Fluoridation unit
• Guide dog
• Gum treatment
• Gynecologist
• Healing services
• Hearing aids and batteries
• Hospital bills
• Hydrotherapy
• Insulin treatment
• Lab tests
• Lead paint removal
• Legal fees
• Lodging (away from home for outpatient care)
This list is not all-inclusive; additional expenses may qualify and the items listed may change in accordance with IRS regulations. Refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for complete details.
• Metabolism tests
• Neurologist
• Nursing (including board and meals)
• Obstetrician
• Operating room costs
• Ophthalmologist
• Optician
• Optometrist
• Oral surgery
• Organ transplant (including donor’s expenses)
• Orthopedic shoes
• Orthopedist
• Osteopath
• Oxygen and oxygen equipment
• Pediatrician
• Physician
• Physiotherapist
• Podiatrist
• Postnatal treatments
• Practical nurse for medical services
• Prenatal care
• Prescription medicines
• Psychiatrist
• Psychoanalyst
• Psychologist
• Psychotherapy
• Radium therapy
• Registered nurse
• Special school costs for the handicapped
• Spinal fluid test
• Splints
• Surgeon
• Telephone or TV equipment to assist the hard-of-hearing
• Therapy equipment
• Transportation expenses (relative to health care)
• Ultraviolet ray treatment
• Vaccines
• Vitamins (if prescribed)
• Wheelchair
• X-rays
Refer to IRS Publication 502 Medical and Dental Expenses for complete details
Dental Coverage
Helps maintain fresh breath, healthy gums and teeth, and other dental work.
Dental Plan
Two levels of benefits are available with the DPPO dental plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
Dental Benefits Summary
1
Vision Coverage
Helps detect certain medical issues, prolong your eyesight, and correct vision or eye problems.
Vision Benefits Summary
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Coverage is provided through Sun Life using the VSP vision network.
• Single vision
• Lined bifocals
• Lined trifocals
• Lenticular
Contacts
In lieu of frames and lenses
• Fitting and Evaluation
• Elective
• Necessary
Benefit Frequency
• Exam
• Lenses
• Frames
• Contacts Once every 12 months Once every 12 months Once every 24 months Once every 12 months
Note: If you visit an out-of-network vision provider, you’ll pay the full cost up front and then submit a claim for reimbursement based on the amounts shown above.
Life and AD&D Insurance
Provides your loved ones with a financial safety net after your death and/or after an accident that causes loss of life, limb, or function.
Life and Accidental Death and Dismemberment (AD&D) insurance through Sun Life are important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 50% at age 70.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $10,000 for each benefit.
Voluntary Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show Evidence of Insurability, or proof of good health. Coverage amounts that require Evidence of Insurability will not be effective unless approved by the insurance carrier. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
Voluntary Life and AD&D
•
•
• Increments of $2,500 up to $10,000
• 14 days to six months $1,500
• Six months to age 26 – Full child benefit
• New Hire Guaranteed Issue $10,000
Voluntary Life and AD&D Rates
Designate a Beneficiary in UKG!
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
The rates for Voluntary Life and AD&D coverage are based on your age. Please see UKG for the cost of adding this coverage for you and your dependents.
Disability Insurance
Provides partial income protection if you are unable to work due to a covered accident or illness.
We provide Short Term Disability (STD) and Long Term Disability (LTD) for you to purchase through Sun Life
Voluntary Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, non-work-related injury. STD benefits are not payable if the disability is due to a jobrelated injury or illness. If a medical condition is jobrelated, it is considered workers’ compensation, not STD.
Voluntary Short Term Disability
Employee Premium Rate Per $10 of Weekly Benefit
If you were temporarily unable to work, would you be able to cover your bills?
Voluntary Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to maximum benefit period.
Supplemental Benefits
Complements our traditional health care programs and pays you directly for unexpected health care costs.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.
Protect Your Savings
Health insurance covers medical bills, but if you have an emergency, an accident or a hospital stay, you may have a lot of unexpected out-ofpocket costs to pay. Protect your savings with additional coverage from Sun Life
Hospital Indemnity Insurance
The Hospital Indemnity plan helps you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance that pays a benefit to the hospital or doctor, this plan pays you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.
BEWELL BENEFIT
Each covered member can also receive $50 per year for completing a wellness screening by your doctor. Applies to both Accident and Hospital Indemnity coverages.
Supplemental Benefits
Critical Illness and Cancer Insurance
Critical Illness and Cancer insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. See the plan document for full details.
First Occurrence Benefit
Full Coverage
Coma; Complete Blindness; Invasive Cancer; Heart Attack; Stroke; Major Organ Failure; Severe Burns; Benign Brain Tumor; Paralysis
BEWELL BENEFIT
Each covered member can also receive $50 per year for completing a wellness screening by your doctor.
401(k) Retirement Plan
Helps you be more financially secure in your retirement.
How the Retirement Plan Works
You are eligible to participate in the plan if you are 18 years of age. Participation begins on your first day of service with the company. You may contribute up to the IRS limit.
You decide how much you want to contribute and can change your contribution amount anytime. All changes are effective as soon as administratively feasible and remain in effect until you update or stop your contributions. You also decide how to invest the assets in your account and may change your investment choices anytime.
Basic Match Company Contributions
CONTRIBUTIONS
• Full-service retirement and investment consulting firm
• Specializing in all areas of retirement plan consulting, investments, employee education, and private wealth management
• Complimentary investment advice for personal investments, investment analysis, tax-efficient planning, and retirement income optimization
401(k) Administrator
Nationwide, managed by Fervent Wealth Management
Vesting
You are always 100% vested in your own contributions. Company Match on contributions made after January 1, 2025 are 100% vested.
Investment Options
You may direct your contributions to any of the investments offered within the company 401(k) plan. Choose from four risk-based model portfolios and/or 20 investment options.
417-444-6777 www.ferventwm.com
Meet the Team
RICHARD BAKER, D.MIN., AIF
• Fervent Wealth CEO & Executive Wealth Advisor
• Will serve as Relationship Manager with Plan Sponsor
• 18+ Years Experience
JOE SHEARRER, B.S.
• Fervent Wealth VP & Wealth Advisor
• Executive / Participant Planning
• 3+ Years Experience (And 7 Years in Public Accounting)
Employee Assistance Program
Helps you and family members cope with a variety of personal or workrelated issues.
The Employee Assistance Program (EAP) from Sun Life provides confidential counseling and support services at little or no cost to you to help with:
• Relationships
• Work-life balance
• Stress and anxiety
• Will preparation and estate resolution
• Grief and loss
• Childcare and eldercare resources
• Substance abuse
Emergency Travel Assistance
Your Sun Life coverage includes Emergency Travel Assistance and ID-theft protection services which are provided through Assist America
If you experience a medical or non-medical emergency while traveling 100+ miles away from your permanent residence, the emergency travel assistance program can immediately connect you to doctors, hospitals, pharmacies and other services.
Some medical travel assistance services include:
• Medical consultation, evaluation, and referral
• Foreign hospital admissions assistance
• Emergency medical evacuation
• Medical repatriation
• Prescription assistance
• Care of minor children
• Compassionate visit
• Return of mortal remains
Some non-medical emergency assistance services include:
• Return of vehicle
• Lost luggage and document assistance
• Legal and interpreter referrals
FOR ASSISTANCE
• Emergency message transmission
• Bail bond and emergency cash coordination
• Pre-trip information
• Call 800-872-1414 (inside USA) or 609-986-1234 (outside USA)
• Email medservices@assistamerica.com
• Use reference number 01-AA-SUL-100101
Contact the EAP
Get support at any hour of the day or night.
Call: 877-595-5281
TDD: 800-697-0353
Online: guidanceresources.com
Web ID: EAPBusiness
App: GuidanceResources Now
Additional EAP Benefit
Coverage includes five face-to-face sessions with a certified therapist. These sessions can be used for you or any of your eligible dependents. Additional sessions can be purchased at a discounted rate.
ID Theft Protection Services
Assist America offers prevention and resolution tools to safeguard your data and restore its integrity if it is used fraudulently. Services include:
• 24/7 access to identity protection experts
• Credit card and document registration
• Internet fraud monitoring
• 24/7 identity fraud support
To activate these identity protection services, visit www.assistamerica.com/sunlife
DMP Extras
Holidays
Upon your date of hire, you are eligible for the following holidays:
Eight Paid Holidays Per Year
New Year’s Day Memorial Day
Independence Day Labor Day
Thanksgiving Day Day after Thanksgiving
Christmas Eve Christmas Day
Paid Time Off
Vacation is based on tenure of employment. Employees receive a PTO accrual each pay period that sums the amount listed below at the end of each anniversary year.
Paid TIme Off
1 Year 10 days (2 weeks) - 3.08 hours per pay period
2 Years 15 days (3 weeks) - 4.62 hours per pay period
3 Years 16 days (3 weeks + 1 day) - 4.92 hours per pay period
4 Years 17 days (3 weeks + 2 days) - 5.23 hours per pay period
5 Years 18 days (3 weeks + 3 days) - 5.54 hours per pay period
6 Years 19 days (3 weeks + 4 days) - 5.85 hours per pay period
7 Years 20 days (4 weeks) - 6.15 hours per pay period
Exercise Equipment
Upon your date of hire, you will have access to use DMP exercise equipment.
Security System
After 30 days of full-time employment, you may receive one basic security system (as defined by DMP) for your personal residence at no cost.
Employee Monthly Contributions
Use
Important Notices
Women’s Health and Cancer Rights Act of 1998
In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
All stages of reconstruction of the breast on which the mastectomy was performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
Special Enrollment Rights
This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)
If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Marriage, Birth or Adoption
If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
For More Information or Assistance
To request special enrollment or obtain more information, contact:
Digital Monitoring Products, Inc.
2500 N Partnership Blvd Springfield, MO 65803 417-831-9362
Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Digital Monitoring Products, Inc and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. Digital Monitoring Products, Inc. has determined that the prescription drug coverage offered by the Digital Monitoring Products, Inc. medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage. The HSA plan is considered Creditable Coverage.
Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Digital Monitoring Products, Inc at the phone number or address listed at the end of this section.
Important Notices
If you choose to enroll in a Medicare prescription drug plan and cancel your current Digital Monitoring Products, Inc. prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage:
Contact the Human Resources Department at 417-831-9362
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
For more information about your options under Medicare prescription drug coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.
Call 1-800-MEDICARE (1-800-633-4227) TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www. socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800325-0778
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).
January 1, 2026
Digital Monitoring Products, Inc. 2500 N Partnership Blvd Springfield, MO 65803 417-831-9362
Notice of HIPAA Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.
Effective Date of Notice: September 23, 2013
Digital Monitoring Products, Inc’s Plan is required by law to take reasonable steps to ensure the privacy of your personally identifiable health information and to inform you about:
1. the Plan’s uses and disclosures of Protected Health Information (PHI);
2. your privacy rights with respect to your PHI;
3. the Plan’s duties with respect to your PHI;
4. your right to file a complaint with the Plan and to the Secretary of the U.S. Department of Health and Human Services; and
5. the person or office to contact for further information about the Plan’s privacy practices.
The term “Protected Health Information” (PHI) includes all individually identifiable health information transmitted or maintained by the Plan, regardless of form (oral, written, electronic).
Section 1 – Notice of PHI Uses and Disclosures
Required PHI Uses and Disclosures
Upon your request, the Plan is required to give you access to your PHI in order to inspect and copy it.
Use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate or determine the Plan’s compliance with the privacy regulations.
Uses and disclosures to carry out treatment, payment and health care operations.
The Plan and its business associates will use PHI without your authorization to carry out treatment, payment and health care operations. The Plan and its business associates (and any health insurers providing benefits to Plan participants) may also disclose the following to the Plan’s Board of Trustees: (1) PHI for purposes related to Plan administration (payment and health care operations); (2) summary health information for purposes of health or stop loss insurance underwriting or for purposes of modifying the Plan; and (3) enrollment information (whether an individual is eligible for benefits under the Plan). The Trustees have amended the Plan to protect your PHI as required by federal law.
Treatment is the provision, coordination or management of health care and related services. It also includes but is not limited to consultations and referrals between one or more of your providers.
For example, the Plan may disclose to a treating physician the name of your treating radiologist so that the physician may ask for your X-rays from the treating radiologist.
Payment includes but is not limited to actions to make coverage determinations and payment (including billing, claims processing, subrogation, reviews for medical necessity and appropriateness of care, utilization review and preauthorizations).
For example, the Plan may tell a treating doctor whether you are eligible for coverage or what percentage of the bill will be paid by the Plan.
Important Notices
Health care operations include but are not limited to quality assessment and improvement, reviewing competence or qualifications of health care professionals, underwriting, premium rating and other insurance activities relating to creating or renewing insurance contracts. It also includes case management, conducting or arranging for medical review, legal services and auditing functions including fraud and abuse compliance programs, business planning and development, business management and general administrative activities. However, no genetic information can be used or disclosed for underwriting purposes.
For example, the Plan may use information to project future benefit costs or audit the accuracy of its claims processing functions.
Uses and disclosures that require that you be given an opportunity to agree or disagree prior to the use or release.
Unless you object, the Plan may provide relevant portions of your protected health information to a family member, friend or other person you indicate is involved in your health care or in helping you receive payment for your health care. Also, if you are not capable of agreeing or objecting to these disclosures because of, for instance, an emergency situation, the Plan will disclose protected health information (as the Plan determines) in your best interest. After the emergency, the Plan will give you the opportunity to object to future disclosures to family and friends.
Uses and disclosures for which your consent, authorization or opportunity to object is not required.
The Plan is allowed to use and disclose your PHI without your authorization under the following circumstances:
1. For treatment, payment and health care operations.
2. Enrollment information can be provided to the Trustees.
3. Summary health information can be provided to the Trustees for the purposes designated above.
4. When required by law.
5. When permitted for purposes of public health activities, including when necessary to report product defects and to permit product recalls. PHI may also be disclosed if you have been exposed
to a communicable disease or are at risk of spreading a disease or condition, if required by law.
6. When required by law to report information about abuse, neglect or domestic violence to public authorities if there exists a reasonable belief that you may be a victim of abuse, neglect or domestic violence. In which case, the Plan will promptly inform you that such a disclosure has been or will be made unless that notice would cause a risk of serious harm. For the purpose of reporting child abuse or neglect, it is not necessary to inform the minor that such a disclosure has been or will be made. Disclosure may generally be made to the minor’s parents or other representatives although there may be circumstances under federal or state law when the parents or other representatives may not be given access to the minor’s PHI.
7. The Plan may disclose your PHI to a public health oversight agency for oversight activities required by law. This includes uses or disclosures in civil, administrative or criminal investigations; inspections; licensure or disciplinary actions (for example, to investigate complaints against providers); and other activities necessary for appropriate oversight of government benefit programs (for example, to investigate Medicare or Medicaid fraud).
8. The Plan may disclose your PHI when required for judicial or administrative proceedings. For example, your PHI may be disclosed in response to a subpoena or discovery request.
9. When required for law enforcement purposes, including for the purpose of identifying or locating a suspect, fugitive, material witness or missing person. Also, when disclosing information about an individual who is or is suspected to be a victim of a crime but only if the individual agrees to the disclosure or the Plan is unable to obtain the individual’s agreement because of emergency circumstances. Furthermore, the law enforcement official must represent that the information is not intended to be used against the individual, the immediate law enforcement activity would be materially and adversely affected by waiting to obtain the individual’s agreement and disclosure is
in the best interest of the individual as determined by the exercise of the Plan’s best judgment.
10. When required to be given to a coroner or medical examiner for the purpose of identifying a deceased person, determining a cause of death or other duties as authorized by law. Also, disclosure is permitted to funeral directors, consistent with applicable law, as necessary to carry out their duties with respect to the decedent.
11. When consistent with applicable law and standards of ethical conduct if the Plan, in good faith, believes the use or disclosure is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public and the disclosure is to a person reasonably able to prevent or lessen the threat, including the target of the threat.
12. When authorized by and to the extent necessary to comply with workers’ compensation or other similar programs established by law.
Except as otherwise indicated in this notice, uses and disclosures will be made only with your written authorization subject to your right to revoke such authorization.
Uses and disclosures that require your written authorization.
Other uses or disclosures of your protected health information not described above will only be made with your written authorization. For example, in general and subject to specific conditions, the Plan will not use or disclose your psychiatric notes; the Plan will not use or disclose your protected health information for marketing; and the Plan will not sell your protected health information, unless you provide a written authorization to do so. You may revoke written authorizations at any time, so long as the revocation is in writing. Once the Plan receives your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.
Important Notices
Section 2 – Rights of Individuals
Right to Request Restrictions on Uses and Disclosures of PHI
You may request the Plan to restrict the uses and disclosures of your PHI. However, the Plan is not required to agree to your request (except that the Plan must comply with your request to restrict a disclosure of your confidential information for payment or health care operations if you paid for the services to which the information relates in full, out of pocket).
You or your personal representative will be required to submit a written request to exercise this right. Such requests should be made to the Plan’s Privacy Official.
Right to Request Confidential Communications
The Plan will accommodate reasonable requests to receive communications of PHI by alternative means or at alternative locations if necessary to prevent a disclosure that could endanger you.
You or your personal representative will be required to submit a written request to exercise this right.
Such requests should be made to the Plan’s Privacy Official.
Right to Inspect and Copy PHI
You have a right to inspect and obtain a copy of your PHI contained in a “designated record set,” for as long as the Plan maintains the PHI. If the information you request is in an electronic designated record set, you may request that these records be transmitted electronically to yourself or a designated individual.
Protected Health Information (PHI)
Includes all individually identifiable health information transmitted or maintained by the Plan, regardless of form.
Designated Record Set
Includes the medical records and billing records about individuals maintained by or for a covered health care provider; enrollment, payment, billing, claims adjudication and case or medical management record systems maintained by or for the Plan; or other information used in whole or in part by or for the Plan to make decisions about individuals. Information used for quality control or peer review analyses and not used to make decisions about individuals is not in the designated record set.
The requested information will be provided within 30 days if the information is maintained on site or within 60 days if the information is maintained off site. A single 30-day extension is allowed if the Plan is unable to comply with the deadline.
You or your personal representative will be required to submit a written request to request access to the PHI in your designated record set. Such requests should be made to the Plan’s Privacy Official.
If access is denied, you or your personal representative will be provided with a written denial, setting forth the basis for the denial, a description of how you may appeal the Plan’s decision and a description of how you may complain to the Secretary of the U.S. Department of Health and Human Services.
The Plan may charge a reasonable, cost-based fee for copying records at your request.
Right to Amend PHI
You have the right to request the Plan to amend your PHI or a record about you in your designated record set for as long as the PHI is maintained in the designated record set.
The Plan has 60 days after the request is made to act on the request. A single 30-day extension is allowed if the Plan is unable to comply with the deadline. If the request is denied in whole or part, the Plan must provide you with a written denial that explains the basis for the denial. You or your personal representative may then submit a written statement disagreeing with the denial and have that statement included with any future disclosures of your PHI.
Such requests should be made to the Plan’s Privacy Official.
You or your personal representative will be required to submit a written request to request amendment of the PHI in your designated record set.
Right to Receive an Accounting of PHI Disclosures
At your request, the Plan will also provide you an accounting of disclosures by the Plan of your PHI during the six years prior to the date of your request. However, such accounting will not include PHI disclosures made: (1) to carry out treatment, payment or health care operations; (2) to individuals about their own PHI; (3) pursuant to your authorization; (4) prior to April 14, 2003; and (5) where otherwise permissible under the law and the Plan’s privacy practices. In addition, the Plan need not account for certain incidental disclosures.
If the accounting cannot be provided within 60 days, an additional 30 days is allowed if the individual is given a written statement of the reasons for the delay and the date by which the accounting will be provided.
If you request more than one accounting within a 12-month period, the Plan will charge a reasonable, cost-based fee for each subsequent accounting.
Such requests should be made to the Plan’s Privacy Official.
Right to Receive a Paper Copy of This Notice Upon Request
You have the right to obtain a paper copy of this Notice. Such requests should be made to the Plan’s Privacy Official.
A Note About Personal Representatives
You may exercise your rights through a personal representative. Your personal representative will be required to produce evidence of his/her authority to act on your behalf before that person will be given access to your PHI or allowed to take any action for you. Proof of such authority may take one of the following forms:
1. a power of attorney for health care purposes;
2. a court order of appointment of the person as the conservator or guardian of the individual; or
3. an individual who is the parent of an unemancipated minor child may generally act as the child’s personal representative (subject to state law).
Important Notices
The Plan retains discretion to deny access to your PHI by a personal representative to provide protection to those vulnerable people who depend on others to exercise their rights under these rules and who may be subject to abuse or neglect.
Section 3 – The Plan’s Duties
The Plan is required by law to maintain the privacy of PHI and to provide individuals (participants and beneficiaries) with notice of the Plan’s legal duties and privacy practices.
This Notice is effective September 23, 2013, and the Plan is required to comply with the terms of this Notice. However, the Plan reserves the right to change its privacy practices and to apply the changes to any PHI received or maintained by the Plan prior to that date. If a privacy practice is changed, a revised version of this Notice will be provided to all participants for whom the Plan still maintains PHI. The revised Notice will be distributed in the same manner as the initial Notice was provided or in any other permissible manner.
If the revised version of this Notice is posted, you will also receive a copy of the Notice or information about any material change and how to receive a copy of the Notice in the Plan’s next annual mailing. Otherwise, the revised version of this Notice will be distributed within 60 days of the effective date of any material change to the Plan’s policies regarding the uses or disclosures of PHI, the individual’s privacy rights, the duties of the Plan or other privacy practices stated in this Notice.
Minimum Necessary Standard
When using or disclosing PHI or when requesting PHI from another covered entity, the Plan will make reasonable efforts not to use, disclose or request more than the minimum amount of PHI necessary to accomplish the intended purpose of the use, disclosure or request, taking into consideration practical and technological limitations. When required by law, the Plan will restrict disclosures to the limited data set, or otherwise as necessary, to the minimum necessary information to accomplish the intended purpose.
However, the minimum necessary standard will not apply in the following situations:
1. disclosures to or requests by a health care provider for treatment;
2. uses or disclosures made to the individual;
3. disclosures made to the Secretary of the U.S. Department of Health and Human Services;
4. uses or disclosures that are required by law; and
5. uses or disclosures that are required for the Plan’s compliance with legal regulations.
De-Identified Information
This notice does not apply to information that has been de-identified. De-identified information is information that does not identify an individual and with respect to which there is no reasonable basis to believe that the information can be used to identify an individual.
Summary Health Information
The Plan may disclose “summary health information” to the Trustees for obtaining insurance premium bids or modifying, amending or terminating the Plan. “Summary health information” summarizes the claims history, claims expenses or type of claims experienced by participants and excludes identifying information in accordance with HIPAA.
Notification of Breach
The Plan is required by law to maintain the privacy of participants’ PHI and to provide individuals with notice of its legal duties and privacy practices. In the event of a breach of unsecured PHI, the Plan will notify affected individuals of the breach.
Section 4 – Your Right to File a Complaint With the Plan or the HHS Secretary
If you believe that your privacy rights have been violated, you may complain to the Plan. Such complaints should be made to the Plan’s Privacy Official.
You may file a complaint with the Secretary of the U.S. Department of Health and Human Services, Hubert H. Humphrey Building, 200 Independence Avenue SW, Washington, D.C. 20201. The Plan will not retaliate against you for filing a complaint.
Section 5 – Whom to Contact at the Plan for More Information
If you have any questions regarding this notice or the subjects addressed in it, you may contact the Plan’s Privacy Official. Such questions should be directed to the Plan’s Privacy Official at:
Digital Monitoring Products, Inc. 2500 N Partnership Blvd Springfield, MO 65803 417-831-9362
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow. gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employersponsored plan.
Important Notices
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa. dol.gov or call 1-866-444-EBSA (3272)
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of July 31, 2025. Contact your State for more information on eligibility.
To see if any other States have added a premium assistance program since July 31, 2025, or for more information on special enrollment rights, can contact either:
Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Digital Monitoring Products, Inc. group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Digital Monitoring Products, Inc. plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium. Plan Contact Information
Digital Monitoring Products, Inc. 2500 N Partnership Blvd Springfield, MO 65803 417-831-9362
Important Notices
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/ or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in- network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services.
Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network costsharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, out-of-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing is not allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay outof-network providers and facilities directly.
Your health plan generally must:
• Cover emergency services without requiring you to get approval for services in advance (prior authorization).
• Cover emergency services by outof-network providers.
• Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
• Count any amount you pay for emergency services or out-ofnetwork services toward your deductible and out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.
This brochure highlights the main features of the Digital Monitoring Products, Inc. employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Digital Monitoring Products, Inc. reserves the right to change or discontinue its employee benefits plans at anytime.
